Natural hazards · Geneva

Geneva, IL natural hazards

Most of the natural-hazard damage FEMA expects in Geneva comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 4 claims here since 1996.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Geneva?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Geneva to be higher than in 24% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding53%Cold waves22%Tornadoes19%Everything else6%

By hazard

What Geneva faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

53% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 2 times a year in the area

Cold waves

22% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

19% of expected damage

Well above average · higher than 80% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Geneva flood?

Every paid claim on a federal flood insurance policy in Geneva, from FEMA’s records.

4paid claims since 1996

$34Kpaid to owners

0homes flooded more than once

19962026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Geneva isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Kane County.

Disasters that hit Geneva

Federal disasters declared here

None of the disasters declared for Kane County shows FEMA aid or repair money reaching Geneva itself in FEMA’s records.

Brought FEMA money into GenevaDeclared for Kane County only

Kane County has had 14 natural disasters declared since 1953, most often floods and winter storms.

Around Geneva

Geneva and the towns around it

Very lowLowModerateHighVery high

St. Charlesmostly inland floodingModerate

Genevamostly inland floodingLow

St. Charlesmostly inland floodingLow

Blackberrymostly inland floodingLow

Genevamostly inland floodingLow

Bataviamostly inland floodingLow

Bataviamostly inland floodingVery low

West Chicagomostly inland floodingVery low

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Geneva covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Geneva’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Geneva. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Geneva total about $11.7M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.